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Terms and Conditions:

You have entered the web site of The Insular Life Assurance Co. Ltd. (Insular Life). By using our web site, you accept and agree to be bound by the terms and conditions herein below stated, which may be updated or revised any time.

General Conditions of Use

We operate this website from offices within the Philippines. We do not represent that the information in this website is available for use or applicable in other jurisdictions. The relevant laws of the Republic of the Philippines shall be applied in construing the terms and conditions of the use of this website.

The contents of this website are intended for general information and for illustrative purposes only.

Insular Life exercises reasonable efforts to provide accurate, complete and updated information on this web site. However, it does not warrant the absence of errors or omissions, defects, viruses or other harmful components of any material or functions contained therein. The contents of the website may be changed from time to time without notice.

Insular Life does not warrant, expressly or impliedly, the merchantability or fitness of any material for any particular purpose. Insular Life shall not be liable for any direct, indirect, consequential or punitive damages resulting from accessing or browsing this website or from using or downloading materials herein, even if Insular Life or any of its authorized representative has been advised of the possibility of such damages. Those who access this website do so on their own initiative and at their own risk. Users are responsible for compliance with all applicable laws. The use of this website means that you understood and accept the terms and conditions of this website.

This site is available 24 hours a day, 7 days a week, with the exception of a window of scheduled unavailability for system maintenance and/or upgrades. Any such schedule will be made with prior notice. If this system maintenance and/or upgrade is not required, this site will always be available for your access.

Agent’s Portal

The following terms and conditions supplement the General Conditions of Use described above.

Agent’s Portal is Insular Life’s internet-based facility accessible by its agency force. Active agents in good standing may apply for enrollment through online registration.

Online access requires an electronic identification which consists of a user name, password, and other security codes that Insular Life may require. Through the use of your username, password and security codes you may be able to access your production information, client information, company information and/or be able to perform transactions with Insular Life on this website. This access requires you to transmit personal information or any information related to the specific transaction you will perform.

By using this website to access your production information, customer’s policy information, company information , I-Quote proposal system, you consent to the electronic transmission of your personal information and any other information you have provided related to the specific transaction.

It is agreed that your use of your electronic identifications in accessing Agent’s Portal is the legal equivalent to your written acceptance to the General Conditions of Use and that your identity as an authorized user of the Agent’s Portal shall thereafter be conclusively established by the presentment to us when required of said user name, password and security codes.

Your Responsibility to Prevent Unauthorized Access to Your Accounts

You undertake to protect your user name, password and security codes, and to be solely responsible for the confidentiality and use of such electronic identifications. You accept full responsibility for all transactions entered through your account.

You agree to immediately notify us if you believe your username, password and security codes have been compromised, or if you become aware that these electronic identifications are being used in an unauthorized manner or if you receive any confirmation of a transaction that you did not enter, or if your received confirmation or a report containing conflicting or inconsistent information regarding your policy.

Failure to notify us of one of the above conditions will release us and our employees and associates from any responsibility or liability to you or any other person or entity resulting from the management or loss of any transaction.

We reserve the right to block electronic access to your account and client information at any time. We further reserve the right to modify the information contained on this website or modify the availability of any transactions at any time. We may immediately and without notice terminate your access to your account information if you violate the conditions of use stated herein or if you endanger the use of the services provided through this Web site.


We have in our custody the information you have indicated in your CAR (Complete Application Requirements), Agent’s Contract, and/or Unit Manager’s Contract; District Sales Manager’s Contract; General Agency Contract . Insular Life respects the privacy of your personal and client information.

We value our relationship with you and we ensure that this relationship is imbued with utmost good faith, trust and confidence. As such, we work hard to maintain your privacy. Moreover, we are very careful to preserve the fiduciary nature of our relationship with you. While the very nature of our business sometimes requires that we collect or share certain information about you with others, we make sure that you consent to our handling and protection of your personal information.

Our policies and procedures for collecting and disclosing personal information are detailed below.

We may collect non-public personal information about you from:

  • Applications or other forms, interviews, or by other means;
  • Your transactions (both personal and online) with us, or others;
  • Our Internet Web site.

Any information we collect about you is used only:

  • As reference for formulation of campaigns that will aid in your professional development and sales performance;
  • To administer your transaction;
  • As permitted by law;
  • As authorized by you.

Some disclosures may be limited to your name, contact details, transaction information with us and other information. We may disclose the information we collect with selected employees, associates, and others who use these information to perform their functions to provide you services. We maintain physical, electronic and procedural safeguards that comply with legal standards to guard your personal information.

We may also disclose the information we collect, within legal limitations, to:

  • Insurance Commission;
  • Bureau of Internal Revenue;
  • Anti-Money Laundering Council;
  • Securities and Exchange Commission.

We require anyone with whom we disclosed your personal information to protect it. We also require that they use it solely for the purpose for which it was disclosed. Otherwise, we do not share any personal information about our customers or former customers or agents unless authorized by the customer or agents as permitted by law.


All materials contained herein, including but not limited to the trademarks, service marks, trade names, logos, icons, and images are proprietary to Insular Life, and are duly protected by the Intellectual Property laws of the Philippines. The use of the foregoing is strictly prohibited unless the prior written consent of Insular Life is obtained for such purpose.

This website may be linked to other websites to which Insular Life may or may not give its approval or endorsement. Insular Life does not warrant the absence of errors or omissions, defects, viruses or other harmful components of any material or functions contained in said web sites, and neither shall it be held liable for any direct, indirect, consequential or punitive damages resulting from accessing or browsing said web sites or from using or downloading materials therein.

We permit links from other Web sites and provide links to other Web sites simply as a convenience to customers. You must obtain permission to link to this Web site and can make a request by contacting us (hyperlink). Requests to link to our site must include the URL of your site and an explanation for the link to our site.

The existence of a particular link does not indicate an endorsement by us of the linked site. Unless otherwise indicated, the linked sites are not under our control and we are not responsible for the content of any linked site or any link contained in a linked site, or any changes or updates to such sites. We make no representations about the accuracy or completeness of the information contained in any linked sites and assume no liability for the content or presentation of linked sites.


You hold Insular Life as well as any of their officers and representatives free and harmless, as well as indemnify them, from any and all liabilities, claims, damages, suits arising out of or in connection with the implementation of this agreement, including any and all errors inadvertently committed and any computer-related errors. If despite reasonable precautions that we at Insular Life have taken, circumstances beyond our control such as failure of electronic or mechanical equipment or communication lines or other interconnection problems or severe natural calamities, or other such events, occur, we shall not be held liable for any losses.


By clicking the "I have read, understood and accepted the Terms and Conditions" button or take any other affirmative action indicating your acceptance of this Agreement, then you have agreed to these terms:

1. Further to the terms and conditions on the use of the Agent’s Portal found in, the use of COMPASS, either online or offline access of the mobile app, and updates to said mobile app, will also be governed, to the extent that may be applicable, by the foregoing provisions that may be amended from time to time.

2. Introduction

COMPASS is a tool that assists InLife Financial Advisors (FA) provide their prospects and existing customers consistent and personalized experiences during the initial sales process. As such, COMPASS is intended solely for InLife FA’s use.

Certain components of COMPASS may interphase with native apps in your device. Make sure to back up your device regularly if you need to store important information in your device that may be affected by COMPASS.

2.1 What are the requirements to use COMPASS?

  • Access to Agent’s Portal
  • Device (e.g. smartphone, tablet) capable of detecting Multi-Factor Authentication (MFA) such as PIN Code, Biometrics or Facial Recognition
  • Internet/Data connection to proceed with the registration

2.2 What are the functions of COMPASS?

The basic functions of COMPASS include:

  • Registration of an account to allow access via login using pre-assigned MFA.
  • Access details of leads and existing customers
  • Create leads list/records
  • View Transaction List/Status
  • Push leads data to Automated Underwriting System (AUS)
  • Synching of offline data with online data and vice-versa
  • Call native phone features and auto-populate information for saving in local storage or sending notifications:
    • contacts
    • calendar
    • email
    • SMS
  • Other features may be introduced as we continue to develop COMPASS

3. Registration of an account

To create an account and continue the use of such account, you must:

  • 3.1. Have an active license and have been registered in the Agent’s Portal;
  • 3.2. Secure access/log-in details to access COMPASS and not allow any other person to use your account to access COMPASS;
  • 3.3. Inform us immediately if you have any reasonable ground to believe that there has been an unauthorized use of your account.

4. Account access

  • 4.1. Upon registration to COMPASS, you need to verify your credentials through Agent’s Portal.
  • 4.2. You will be required to assign/activate your Multi-Factor Authentication (MFA) such as PIN Code, Biometrics or Facial Recognition on your device.
  • 4.3. You must keep your account details confidential;
  • 4.4. You will bear solely service provider and telecommunications fees or other charges, if any, incurred with the use of COMPASS.
  • 4.5. While using COMPASS, you undertake to comply with all applicable laws and other regulations of the Philippines.
  • 4.6. You are accountable for any activity using your account and may be held liable for any losses/damages arising from such use.
  • 4.7. You will accept sole responsibility for any breach of your obligations under the Terms and Conditions and for any consequences resulting therefrom.
  • 4.8. You will indemnify and hold us harmless from any claims relating to your unlawful use of COMPASS or use of the same that is contrary to these Terms and Conditions.

Effective date of your account will the date of activation of your COMPASS account. Your Agent’s Portal and COMPASS accounts will be deactivated automatically upon separation from Insular Life, for whatever reason.

5. Use restriction

You shall not, directly, indirectly, alone, or with another party,

  • 5.1. copy, disassemble, reverse engineer, or decompile COMPASS;
  • 5.2. modify, create derivative works based upon, or translate COMPASS;
  • 5.3. license, sell, rent, lease, transfer, grant any rights in or otherwise commercially exploit COMPASS in any form to any other party,

nor attempt to do any of the foregoing or cause or permit any third party to do or attempt to do any of the foregoing.

6. Cancellation and suspension of accounts

At any time in our sole discretion with or without notice to you, we may:

  • 6.1. Flag your account

    If we come to know of any unusual activity, your account may be flagged for monitoring which may lead to restriction of your access.

  • 6.2. Suspend your account;

    We usually suspend an account for any unauthorized use or any suspicious activity in your account.

You may also cancel your account at any time. Within thirty (30) days following cancellation, on any grounds whatsoever, we will be entitled to delete the data stored in InLife servers or any other storage media.

7. Ownership

We retain ownership of COMPASS and all Intellectual Property Rights comprising:

  • 7.1. the database of content built, operated and maintained by InLife;
  • 7.2. any other software made available by InLife for the purpose of accessing leads and existing customers.

8. Customer Data

Customer Data shall refer to any of customer’s information, documents, or electronic files that are obtained, collected, created or accessed through COMPASS.

9. Assignment

Insular Life may assign any of its rights to COMPASS at any time; provided, however, that it shall not assign the rights granted to Customer Data except:

  • 9.1. in connection with the sale COMPASS, or
  • 9.2. in case of outsourcing of development of COMPASS;

that would reasonably require the acquirer or the service provider, as the case may be, to be assigned such rights to the Customer Data.

10. Data privacy and confidentiality

  • 10.1. You will keep confidential and will not disclose to any third party any Customer Data obtained, collected, created or accessed through COMPASS.
  • 10.2. You will comply with applicable data protection laws in relation to Customer Data.

11. Disclaimer of Warranties

  • 11.1. We disclaim any representations or warranties of any kind, express or implied, with respect to COMPASS, or the availability, functionality, performance or results of its use. You will have no entitlement to uninterrupted availability of COMPASS. InLife therefore reserves the right to temporarily restrict the ability to use COMPASS as necessary due to maintenance work, capacity limits, the security or integrity of the server, or in order to perform technical measures.
  • 11.2. We disclaim any warranty that COMPASS, or its operation of the system are or will be accurate, error-free or uninterrupted.

12. Disclaimer of Liabilities

  • 12.1. We disclaim any liability with respect to COMPASS, or its use, for indirect, special, incidental, punitive or consequential loss or damages even we have been advised of the possibility of such damages.
  • 12.2. We shall not be liable for any loss of or failure to realize expected profit, revenue, savings or any other form of pure economic loss, whether any such loss is direct or indirect.